Personal Umbrella Insurance

Available in all 50 states

Personal umbrella insurance provides additional protection for liability over and above your homeowners, auto, and other insurance policies, while filling gaps in coverage. In our litigious society, umbrella liability is the new standard. Protect your assets when other coverages reach their limit.

Claim Examples

You organize a neighborhood party at your home and a visitor injures themselves while on your property.

You or your newly licensed teen cause an automobile accident that injures another party.

A family member is enjoying your boat, runs into another vessel, and injures its passengers.

While on a run around the neighborhood, your friendly family pet gets spooked and bites a stranger.

On vacation, your family rents ATVs or jet skis, causes an accident, and injures another family.

A burglar enters your property. You defend yourself, injuring the intruder, and are sued by them.

Insurance questions? Call (877) 606-1375 today.

Personal Umbrella Insurance

We recommend everyone consider a personal umbrella insurance policy. If you engage in a high-risk activity or a hobby that increases your odds of being sued — such as having a teenage driver, owning a swimming pool, or frequent entertaining — it is wise to supplement your insurance coverage with an umbrella policy.

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At Bankers Insurance, the client is always in control.

An extra layer of protection, when you need it.

Standard personal liability insurance limits may not be sufficient in certain cases. Large claim judgments are becoming more commonplace. According to a recent survey by Martindale-Nolo, 16% of personal injury settlements are over $75,000. Personal umbrella insurance protects against liability that extends beyond the limits of your underlying homeowners, auto, boat, or other policies. Personal umbrella insurance is inexpensive and easy to quote.

One of the largest claims seen by our agency was for an automobile accident. The injured party required lifetime healthcare and was no longer able to work, resulting in a $2,500,000 judgment.

Personal Umbrella Insurance Quote Request

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Personal Umbrella Insurance Exposures

Homeowners

Homeowners includes personal liability insurance, protecting you for exposures at home and elsewhere. For example, if someone visits your home and leans on a railing which gives way, your homeowners policy would protect you. Most limits are $100,000 or $300,000, but personal umbrella liability increases those limits in $1,000,000 increments.

Think the above example would never happen? It did to our client when sued by a plumber they had hired to work on their home. A trim carpenter was fixing the stair railing at the same time and clearly not operational. The plumber leaned against the railing, fell, and sought recovery of hospital bills and lost wages from the homeowner.

Auto

Personal umbrella liability insurance goes over your auto insurance policy and provides an extra layer of protection. Just like homeowners, auto insurance policies provide only a limited amount of coverage. Once the policy limit is reached, an injured party can seek compensation from your assets such as home, auto, investments, and wage garnishment.

Boat or Personal Watercraft

Homeowners policies have strict limitations on liability associated with boats and ATVs. Yet we think nothing of stepping into a vessel with a churning propeller and dragging a tube full of kids around a lake full of other people doing the same thing. Be sure to review our boat insurance page. And when you apply for personal umbrella liability insurance, tell your agent about any boat, personal watercraft, or ATV policies you have so the umbrella policy will be written to extend over them.

Other

Other exposures to consider when applying for a personal umbrella liability insurance policy:

Recreational Vehicles (ATVs, golf carts, go-karts, etc.)

Motor homes

Antique vehicle policies

Owned vacant land

Secondary, seasonal, rental, or vacation homes

Aircraft policies

How To Start

Consider the exposures listed above.

Gather existing policy numbers and expiration dates.

Contact us or complete the application above to get the process started.

Factors and Cost Drivers

Personal Umbrella Insurance is very affordable, probably the least expensive insurance you will ever buy. Thankfully, it is also easy to apply. The cost depends on the risk. Some of the items that can affect cost are:

Why Bankers Insurance?

Anyone can be an order-taker. Bankers Insurance is different.

We offer choices and expertise. We don’t expect clients to be personal umbrella insurance experts. Take advantage of our experience. We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you. Only then can we suggest the coverage that suits your specific needs. We look for coverage gaps to help ensure complete protection. With us, you get the benefit of:

Individual Agent

Each one of our clients is assigned a specific insurance agent in our office. You will have the phone number that rings on their desk. And each agent has a backup in case they are out for any reason. Though any one of our agents can help, nothing beats speaking with the person familiar with your account.

Local Support

Bankers Insurance is local. Our agents live in the local community. No one enjoys talking to an 800 number or exchanging email when in urgent need of service or if a claim has arisen.